Initial meeting

• During the first meeting we will discuss your goals and your financial resources to meet those goals. It is helpful, but not required to bring relevant information to our initial meeting – such as tax returns, investment statements and insurance documents. This helps provide a clear understanding of your financial situation

• At the end of our meeting, you will be given a proposal outlining the scope of the services and the cost. Some clients prefer a project limited in scope and others may want a comprehensive relationship where financial planning is ongoing and investments are managed by Financially In Tune.

Hourly Consultation

The proposal will state the scope of the project, cost to develop recommendations for you and any other documents needed. We quote a fixed project cost will be quoted based on the estimated number of hours. Payment is not due until recommendations are presented.

Working Together- Hourly

Developing Recommendations

Once your data is received, we will set another time to meet. At least two weeks are needed to analyze your information and develop recommendations customized to your situation.

Meeting to Present Recommendations

Financially In Tune will present written recommendations and step by step instructions for implementation. The client is responsible for implementing the recommendations

Updates

Once recommendations are reviewed and questions answered, if clients want to return to Financially In Tune for updates, it is a new engagement and another hourly project fee will be charged. It is up to the clients to contact Financially in Tune for a new appointment. Some clients choose to come in regularly for an annual update, others come more sporadically.

Portfolio Management

For clients who prefer a comprehensive working relationship – Financially In Tune will provide a proposal for the management of assets which usually includes financial planning services. Fees are quoted based on an annual fixed fee, charged quarterly in advance, and debited directly from accounts held at the custodian (either Fidelity Investments or Charles Schwab)